def apply_spread(spread):
    bmyield = 1.2
    def calc():
        outyield = spread/100 + bmyield
        return outyield
    return calc

out = apply_spread(20.0)
print out()

for sp in range(20, 100, 5):
    sp += 0.0;
    out = apply_spread(sp)
    print out()